Restructures Executive

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Job Description

Mortgage Restructures Executive - Permanent - South Dublin 

The Role

The Mortgage Restructures Executive is responsible for working closely with mortgage arrears customers in identifying and implementing appropriate solutions on arrears cases.

Key Responsibilities

  • Contacting arrears customers directly to discuss possible long term sustainable resolutions to the mortgage arrears situation.
  • Developing excellent customer relationships and dealing appropriately with challenging arrears situations.
  • Ad hoc duties such as general administration on customer accounts, and administration duties on internal projects.
  • Completion of detailed Standard Financial Statements with Borrowers over the phone ensuring a high level of attention to detail is maintained.
  • Challenging borrowers on items of expenditure that are above or below the acceptable levels.
  • Explaining to borrowers the importance of prioritizing the mortgage and urging them to restructure secondary debt.
  • Identifying and understanding customers’ previous payment history and analysing the current income and expenditure profile.
  • Carrying out detailed assessments of the customers’ current financial profile and making suitable recommendations.
  • Effectively managing a log of cases with a view to ensuring that the borrowers are directed towards the most appropriate solution for their circumstances.
  • Reviewing all options with customers as outlined in the Financial Regulator’s Code of Conduct for Mortgage Arrears and bringing these cases for discussion to Senior Management along with own recommendations.
  • Discussing disposal of the security with customers where the mortgage is not sustainable.
  • Dealing efficiently with incoming calls and correspondence.
  • Maintaining excellent relationships with third parties, including MABS and customers’ debt mediators.
  • Maintaining and monitoring ongoing customer contact and follow-up of cases.
  • Actively participate in and contribute to monthly team review meetings.
  • Achieving demanding targets as set on a quarterly basis by the company.

Knowledge and Experience

  • Minimum 2 years in mortgage resolution/restructures/SFS experience within an ASU environment.  Experience with loans arrears/commercial lending arrears is also acceptable.


  • 3-4 Years Credit restructuring/resolution role to include borrower contact. Strong negotiator essential.  APA (Loans) not essential for candidate with this background.
  • Experience of working in an environment where several systems and databases are being accessed/used at the same time.
    • APA (Loans) or similar qualification is desirable.

Personal Competencies

  • Strong negotiator with the ability to reach appropriate solutions on challenging arrears cases.
  • Target-driven and hard working.
  • Self-starter and highly driven individual with the ability to follow through.
  • Excellent customer relationship and interpersonal skills with ability to deal appropriately with challenging arrears situations.
  • Experience of working in an environment where several systems and databases are being accessed/used at the same time.
  • Excellent written and verbal communication skills.
  • Excellent level of attention to detail
  • Flexible, can-do attitude.
  • Ability to fully assess a borrower’s circumstances including analysis of previous payment patterns and assessment of income and expenditure with a view to establishing their current financial profile.
  • Ability to identify appropriate payment options and make a detailed recommendation as to the suitability of these options with specific reference to the borrower’s financial standing.


  • Salary €38K to €45K pa DOE
  • Quarterly Bonus of up to 10% of quarterly salary (available from first full calendar quarter).
  • Annual leave:  23 days per annum pro rata
  • 2 company days
  • Pension scheme
  • Income Protection and Life Assurance at x4 salary from start of employment
  • Free car parking available 
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Lauren Rock

Recruitment Consultant +353 1 614 6090